Nationwide Credit Card

[CleverClogs (RIP)]

Re: Nationwide Credit Card

Kpr have sent a notice stating if not paid in full they will serve a ccj and charge on house.

Oh, they have, have they?

Rather than commenting on a paraphrase of their threat-o-gram - which you may have misconstrued - I'd like to know exactly what they threatened to do. Could you post a verbatim copy of their threats?

My question is they have on numerous occasions sent a copy of priority application form and confirmed thus is my signed cca. Only one side of copy, no terms and conditions, apr, etc. also application form is for a account number that was closed and demand for another account number. Pre 2007 application

Then they plainly have not complied with your request - and would not have done even if the account numbers matched.

Does the account number on the application form have any relevance to you?

Ahh this is normal for Kpr, if you try and reduce things they go on the offensive and go in all guns blazing

And, it seems, they write nonsense and threaten actions they cannot take.

[Never-In-Doubt]

Re: Nationwide Credit Card

Thanks will have a read. They have just infuriated me and to start callin me telling me they will put a charge on house has just made me so angry with them

laugh at them and say good luck & hang up.

Really, it's misleading but that's about it. You won't get far complaining sadly.

[Sweety200]

Re: Nationwide Credit Card

Thanks will have a read. They have just infuriated me and to start callin me telling me they will put a charge on house has just made me so angry with them

[Never-In-Doubt]

Re: Nationwide Credit Card

Niddy is quite right on both counts,

usually the case....

[nightwatch]

Re: Nationwide Credit Card

Niddy is quite right on both counts,

[nightwatch]

Re: Nationwide Credit Card

I know. Havent missed a pAyment either !!

I hadn't either I only asked for my CCA and they wrote and told me if I stopped payments they wanted all the money in full or I would be issued a CCJ, That got me annoyed,I've not paid them anything since so that's their loss.

[Never-In-Doubt]

Re: Nationwide Credit Card

KPR are nobodies. Nationwide internal dept. Not even a proper DCA. Certainly not one to worry about

We can help you sort an affordability I&E to reduce the amount you pay if it's any help?

[nightwatch]

Re: Nationwide Credit Card

can I 1st of all point out that Kpr first have to take you to court and win to get a CCJ and then if you don't pay it they have to return to court to get a charging order so chill for now.

2 you need to decide what you want to do re this
you could re negotiate the payment to something much more manageable
or
you could go the unenforceable route I suggest you read this http://forums.all-about-debt.co.uk/s...ide-to-UE-2014 click on the link to view
this would also apply to your other debts
we are here to help whatever you decide the choice is up to you, we cannot tell you to go one way or the other

[Sweety200]

Re: Nationwide Credit Card

I know. Havent missed a pAyment either !!

[nightwatch]

Re: Nationwide Credit Card

Thanks for getting back to me. Application is in work sorry but i think 2001 it was opened. I wrote about three years ago and they kept sending me a one sided copy of a priority application form. Heading and wording clearly states ApplicAtion form. I went on a payment plan 2 years ago as to b honest i wasn't well and feared them and took all their threats literally for 75 a month. Wrote to them telling them i cant afford 75 a mth last mth as my tax credits have been stopped and i am a single mum and my income now significantly reduced. But instead of a reply to negotiate new payment as i thought i got a formal demand for full payment.

Ahh this is normal for Kpr, if you try and reduce things they go on the offensive and go in all guns blazing

[Sweety200]

Re: Nationwide Credit Card

No got a credit card with tsb 3k payment plan of 30 amonth

[MrsD]

Re: Nationwide Credit Card

welcome to AAD Sweety

Is this your only debt?

it's always useful for us to have the full picture

[Sweety200]

Re: Nationwide Credit Card

Thanks for getting back to me. Application is in work sorry but i think 2001 it was opened. I wrote about three years ago and they kept sending me a one sided copy of a priority application form. Heading and wording clearly states ApplicAtion form. I went on a payment plan 2 years ago as to b honest i wasn't well and feared them and took all their threats literally for 75 a month. Wrote to them telling them i cant afford 75 a mth last mth as my tax credits have been stopped and i am a single mum and my income now significantly reduced. But instead of a reply to negotiate new payment as i thought i got a formal demand for full payment.

[nightwatch]

Re: Nationwide Credit Card

OK Sweety, welcome to AAD
could I ask you to give us a bit more detail on this
a, when was it opened
b, has it been defaulted, if so when,
c, are you making payments still, if not, when did you last make any payment to it.
when did you ask for your CCA.
that will do to start
don't worry we don't bite, well not if we've been fed .
talking of which I am just in the middle of doing the evening meal so don't worry if I don't get back to you quickly

forgot to add I have a dispute with Nationwide please feel free to have a look at my diary http://forums.all-about-debt.co.uk/s...-Diary-of-debt
I would get a drink and something to eat, it's a long thread xxx

[Sweety200]

Re: Nationwide Credit Card

Thanks